Four common "pits" for overseas home buyers must pay attention to buying a house.

With the tightening of domestic property market regulation and the worry about RMB depreciation, more and more China people turn their attention to overseas real estate market. According to the "20 17 Overseas Home Purchase Prospects of High-net-worth Clients in China" jointly released by Hurun Research Institute and Global Land, nearly half of China's high-net-worth individuals take overseas real estate investment as their main goal.

However, is it really as easy, simple, safe and reliable as most advertisements advertise? If you are a small white customer who buys a house overseas for the first time, you must pay attention to the following four common "traps" when buying a house overseas!

Trap 1: buying a house to send immigrants?

Among overseas buyers, many buyers are driven by the demand of immigrants, and they hope to get the qualification to stay abroad after buying real estate, which is called green card.

In some cities in China, there is a policy that you can apply for a local account after buying a house, which is an attractive and important information for buyers. Under the rendering of a large number of real estate and immigration agents, many buyers believe that this policy is equally applicable abroad. But in fact, basically all western developed countries, such as the United States, Australia, Canada, Britain, etc., have no policy of buying a house to immigrate.

In order to alleviate the economic downturn, some countries in southern Europe such as Greece, Spain and Portugal have introduced immigration policies to attract overseas investment. However, this kind of project immigrants also have certain threshold requirements, not just buying a house, so buyers must first understand the local immigration policy before buying a house.

Real case

Mr. Ding recently bought a house in Spain through an intermediary and spent more than 5 million yuan, thinking that he could become a Spanish citizen and "set foot in Europe" by buying a house. His children will have more choices to study abroad in the future. However, the professional real estate agent told him that if he wants to obtain permanent residency or naturalization, he must live in the local area. Permanent residence lasts for five and a half years, and naturalization takes 65,438+00 years.

Trap 2: Can I go to a prestigious school if I buy a school district?

When buying a house in China, parents often consider buying school districts around famous schools for the sake of their children's education, but school districts are not applicable abroad.

Schools in many overseas countries are divided into public and private schools. Generally, only public primary and secondary schools are related to the "school district", while private schools have nothing to do with the school district.

In the United States, although public schools also implement the "near school" approach, the admission conditions are not linked to the purchase and settlement. Even if parents do not have real estate in the school district, they can rent a house in the school district to apply for admission. On a street, the house on one side is in the school district, and the house on the other side is outside the school district. The price difference between the two sides can double. If you don't know the local situation, it's easy to be deceived.

Trap 3: How to sign a house purchase contract?

As a reasonable proof of property rights, the purchase contract is a necessary condition for any investor to sign the relevant purchase contract when purchasing real estate overseas. However, due to the ignorance of overseas real estate market and laws, as well as the obstacles in language communication, many investors encountered many house purchase contract scams in the process of buying houses overseas, which harmed their own interests.

If you are a junior investor buying a house overseas, you'd better consult a real estate lawyer first, write down the points that need attention, or hire a real estate lawyer to help sign the contract, so as to buy a house with confidence.

Overseas real estate purchase contracts are basically in English, so before buying a house, you must ask a lawyer to explain all the key points and precautions in the contract in detail, and at the same time explain the rights and obligations of buyers and sellers, so that buyers can know the whole transaction process like the palm of their hand.

While reviewing the purchase contract, lawyers will investigate the property rights of the traded houses to see if there are property rights problems such as mortgage and debt. If there is a property right problem, the buyer will be asked if he knows. If there is any problem, the buyer does not know, and the buyer has the right to terminate the contract. Therefore, it takes some time to investigate the property rights of houses and real estate, which is an essential link.

Trap 4: The extra cost is really a lot. What is the budget for buying a house?

Buying a house overseas involves a lot of miscellaneous expenses, but some real estate agents will deliberately hide these expenses from their customers and give them the impression that the house is very cheap. For example, in buying a house in the United States, in addition to asking an intermediary, you must also ask a lawyer. The lawyer's fees alone add up to thousands of dollars. In addition, the tax service fee and loan tax collected by the local government in the United States add up to two or three thousand dollars. According to statistics, when buying a house in the United States, buyers have to pay real estate transaction tax, lawyer's fees, property insurance fees, housing evaluation fees, housing inspection fees and registration fees in one lump sum, which generally account for 3% to 5% of the house price.

Real case

Miss white-collar sunseeker "broke a little money" in order to buy a house in America. Previously, she spent a long time understanding the American real estate market and asked the familiar real estate industry for relevant information. After assessing her financial situation, she paid 6,543,800 yuan as a down payment and bought an American property. But she didn't expect that the whole transaction process was completed, and she paid nearly 65,438+10,000 yuan more.

In this regard, the person in charge of an intermediary agency unveiled the mystery: Generally speaking, to buy a house in the United States, you have to pay the intermediary a deposit of 20,000 to 30,000 yuan for house inspection, a travel expense of 33,000 yuan, a sincerity payment of 25,000 to 50,000 yuan for house inspection (if the family goes, it can be as high as 654.38+10,000 yuan), and the air ticket and hotel expenses are counted separately. Coupled with the necessary lawyer's fees, house inspection fees, taxes and fees, the extra expenses outside the house price are actually a lot of expenses.

(The above answers were published on 20 18-03- 12. Please refer to the actual situation for the current purchase policy. )

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